You to the power of

It’s not just a brand name… it’s our purpose

See All Products
Sell more. Spend less.

Creating enterprise-level finance technology and fulfilment products that drive growth, reduce costs, and enhance customer experiences.

Brandsafe

Brandsafe is our closed-loop partner promise. As much about data security, as it is a way of doing business. We exist to support you, your business and to keep your customer data safe. Your client list will only ever be yours and yours alone.

Seamless

Seamlessly connected, the YOUx technology and fulfilment product stack combines to form an unbeatable and complete end-to-end finance journey for your business. Holistically covering in-retail and online finance experiences.

Agnostic

Agnostic by design, the YOUx ‘Plug & Play’ products are flexible to suit your business. While we believe the best value is obtained from implementing the full stack recommended for your business. You can also pick and choose to complement your current product stack.

Welcome to your new end-to-end asset finance product stack
A product stack tailored to business growth
For OEM Manufacturers
sc
ap
ma
lo
bu
Increase sales volumes and OEM lending finance penetration

Unique product features empower customers to self-serve quotes, pre-approvals and full applications, 24/7. Working with 87% of Australia’s OEM branded lenders to automatically waterfall priority floorplan lenders to secondary and remaining lender panels.

For Dealers
sc
ap
ma
lo
bu
Increase your finance penetration

Unique product features empower customers to self-serve quotes, pre-approvals and full applications, 24/7. Working with 87% of Australia’s OEM branded lenders to automatically waterfall priority floorplan lenders to secondary and remaining lender panels.

For Lenders
ap
fi
ma
lo
co
Get more of the customers you want

Instantaneous product launch and direct to customer distribution. With market-leading policy match accuracy, combined with superior profile verification and validation for higher conversions and lower acquisition costs.

Powerful asset finance products
Individually impressive, collectively unbeatable

Empower your
customers & your team

Expand reach, enhance customer experience and increase sales.

scan

QR code activated Dealer collateral

Turn every surface into a customer self-served finance opportunity, infinitely scaling dealership lead capture potential.

apply

Dealer point-of-sale finance application

The most complete customer self-service finance journey. Driving finance penetration online and in-dealership.

manage

Finance management platform.

The most powerful asset finance management platform in Australia. Engineered to help brokers and business managers manage, write and submit more deals; more quickly, accurately and safely.

lodge

Success Gurus.

Experts at the intersection of tech and finance activation. On-hand to help you submit more successful deals.

connect

Ultimate lender API efficiency

2-way direct lender connection for instant rate quoting, submission and applicaton stage updates.

build

Your front-end,
our back-end

Create your own custom UIs with the advanced microservice tech menu of YOUx.

Not just a
pretty interface
Our product stack delivers results

YOUx successes so far

$7.4B

Finance opportunities annually

$2.4B

Finance funded so far

716

Dealer users

80+

Unique lenders

Stories of partner growth

Ian Mason - MG LDV Parramatta

Rising margin pressures and evolving buyer behaviours continue to threaten dealership profitability. The YOUx Dealer product stack helps drive more efficient finance volume; with deeper finance penetration and reduced cost to service customers.

Press & Media

GO AUTO

GO AUTO

ADDA

Australian Business Journal

Australian Fintech

Proud partnerships

Certifications & awards

THE ADVISER

THE ADVISER

Connected to more than 80 lender partners

Learn More

Hear from our happy clients

Ian Mason

Dealer Principal, MG & LDV Parramatta

YOUx has enabled us to put more business through the offices, sell more cars and ultimately make more money. Both our business managers and customers find YOUx very easy to use.

Andrew Brough

General Manager Auto & Consumer

YOUx has enabled faster, easier, more accurate submissions for our business manager with direct to lender submissions from the YOUxManage platform.

For OEM Manufacturers
sc
ap
ma
lo
bu
Increase sales volumes and OEM lending finance penetration
For Dealers
sc
ap
ma
lo
bu
Increase your finance penetration
For Lenders
ap
fi
ma
lo
co
Get more of the customers you want
find the answers you’re looking for
Frequently Asked Questions
What is YOUx?

POWERFUL PRODUCTS FOR GROWTH

YOUx delivers powerful asset finance technology and fulfilment products designed for multi-level business growth; including: enterprise, SME and start-up. Helping OEM manufacturers, dealers, brokers and lenders to better service their customers’ asset finance needs more quickly, safely and accurately than ever before. With unique product features that increase sales, while reducing the cost to service your customers. Welcome to YOUx.

Why should my business trust YOUx?

BRANDSAFE PARTNER PROMISE

Brandsafe is a core YOUx value and our ‘closed loop’ partner promise is as much about data security, as it is the YOUx way of doing business. Inspiring our 11,500+ dealer and broker users, along with 80+ accredited lenders to trust us with $7.4 Billion of finance opportunities every single year.

As a B2B champion, YOUx exists to support your brand. Delivering tailored product solutions with best-in-class experiences, aligning to your commercial objectives. Making you look great and your bottom line even better. And because YOUx strives purely for its partners, your client list will safely stay your own. No unsolicited contact, ever.

How secure is the data and information processed through YOUx products?

YOUx places a strong emphasis on data security and ensures that the data and information processed through their products are protected, including but not limited to:

  • Compliance: YOUx adheres to the National Consumer Credit Protection Act 2009 (NCCP) and Australian Securities & Investments Commission Credit License obligations
  • ISO27001 practices: YOUx protects and secures customer data in line with ISO27001 practices, the international standard for information security
  • 2-Factor Authentication: Whether it’s customers accessing their work-in-progress YOUx application or brokers and business managers logging in to YOUxManage to write deals, access to all our products is protected by 2-Factor Authentication
  • Data encryption: YOUx employs encryption techniques to protect sensitive data during transmission and storage. Encryption ensures that data remains secure and inaccessible to unauthorised individuals or entities
  • Secure infrastructure: YOUx maintains secure AWS infrastructure to host and process data. Utilising state-of-the-art security measures, including firewalls, intrusion detection systems, and regular security audits, to safeguard our systems from unauthorised access
  • Data access controls: Access to data within YOUx products is restricted to authorised personnel only. Role-based access controls are implemented to ensure that individuals have appropriate access rights based on their responsibilities and job roles
  • Ongoing monitoring and auditing: YOUx conducts regular monitoring and auditing of systems to identify and address any potential security vulnerabilities. This proactive approach helps ensure that data security measures remain up to date and effective

It’s important to note that while YOUx takes significant measures to secure data, it’s also essential for your business to follow best practices in data protection. This includes implementing secure access controls, user authentication measures, and internal data security protocols.

What can YOUx help me with?

FASTER, EASIER, MORE ACCURATE ASSET FINANCE

The YOUx technology and fulfilment product stack is flexibly built and seamlessly connected to help partners grow with faster, safer, more accurate asset finance. Typical objectives of our audiences include:

  • OEM Manufacturers: Drive central revenues and support their dealer network
  • Dealers: Capture more leads, increase finance penetration, reduce the cost to service your customers
  • Brokers: Capture more leads, successfully lodge more deals, reduce the cost to service your customers
  • Lenders: Receive more of the customers they want more quickly, reduce the cost to service your customers
  • Marketplaces and Editorials: Unlock asset finance value in their audience
  • Customers (via partners): Find a suitable lender quickly and easily, successfully submit a full lender specific application

 

DIVERSE LENDING PANEL

YOUx products support a truly comprehensive range of asset finance options, across a diverse lending panel. Which means your customers can easily find the right loan for their needs, whether they’re online, in your office or on your forecourt.

And whenever you need extra help, YOUxLodge Success Gurus are on hand. From in-depth asset finance scenario support to simply covering any lender accreditations you don’t have, drawing on YOUx’s 80+ lenders. Making it easier than ever to find finance a home.

DIVERSE ASSET TYPES

So whatever assets your customers are buying, YOUx has you and your customers covered:

  • Vehicle finance: This includes financing for various types of vehicles, such as cars, motorcycles, trucks, vans, and commercial vehicles
  • Equipment finance: YOUx provides asset finance solutions for a wide range of equipment, including machinery, agricultural equipment, construction equipment, industrial equipment, and more
  • Marine finance: Financing options for boats, yachts, and other marine vessels are available through YOUx. Whether for personal or commercial use, customers can find suitable marine finance solutions
  • Leisure finance: This category covers financing for recreational vehicles like motorhomes, caravans, campervans, and other leisure-related assets
  • Commercial finance: YOUx offers asset finance solutions for commercial purposes, such as financing for business equipment, office furniture, technology infrastructure, and other assets required by businesses

Personal finance: In addition to commercial financing, YOUx also supports personal asset finance. This includes loans for personal vehicles, leisure assets, and other personal-use assets

How can YOUx technology and fulfilment products benefit an OEM manufacturing business?

SELL MORE, REDUCE THE COST TO SERVICE YOUR CUSTOMERS

YOUx delivers powerful asset finance technology and fulfilment products designed for OEM manufacturer business growth. The YOUx product stack is flexibly built and seamlessly connected to help your business with a range of commercial objectives, including, but not limited to:

  • Increased lead opportunities: Drive additional revenues by leveraging our technology and fulfilment products to better capitalise on centrally (core brand) engaged audiences. Or further support your dealer network by passing on derived opportunities with auto-referral to the best suited dealership
  • Stronger dealer network commercials: Introduce YOUx as an approved partner to your dealer network to support their commercial objectives. More quickly and easily converting sales, deepening finance penetration, with our lender waterfall (including floorplan protection), and reducing the cost to survive your customers
  • Streamlined for cost reduction: YOUx’s customer self-serve Capture app and BM initiated Manage journeys achieve operational efficiencies, typically saving over an hour for every completed finance application. Featuring fast automated online processes, from collaborative finance applications, powerfully instant lender matching engine, document uploads, e-signed documents, automated NCCP compliance and much much more
  • Better customer experience: YOUx’s product stack delivers best-in-class customer finance experiences, delivering easier, faster finance pre-approval and fully completed finance applications with supporting documents in just a few minutes
  • Data insights: YOUx’s extensive data analytics help OEM manufacturer partners to gain a deeper understanding of their customers’ buying behaviours and financing preferences. Helping to refine marketing strategies, product offerings, and customer targeting, ultimately driving better business decisions
  • Ongoing value: YOUxLodge Success Gurus deliver an unprecedented holistic benefit to the OEM manufacturer and dealer network, building evermore human value with the ongoing activation and skills training in the implementation of technology and asset finance expertise in the team

Overall, YOUx technology and fulfilment products can help to support a healthier dealer network, with deeper finance penetration and faster conversions for the long term health of the OEM manufacturer.

What types of asset finance are supported by YOUx?

DIVERSE ASSET TYPES & LENDING PANEL

YOUx products support a truly comprehensive range of asset finance options, so whatever assets your dealers are selling, YOUx has you, your dealers and their customers covered:

  • Vehicle finance: This includes financing for various types of vehicles, such as cars, motorcycles, trucks, vans, and commercial vehicles
  • Equipment finance: YOUx provides asset finance solutions for a wide range of equipment, including machinery, agricultural equipment, construction equipment, industrial equipment, and more
  • Marine finance: Financing options for boats, yachts, and other marine vessels are available through YOUx. Whether for personal or commercial use, customers can find suitable marine finance solutions
  • Leisure finance: This category covers financing for recreational vehicles like motorhomes, caravans, campervans, and other leisure-related assets
  • Commercial finance: YOUx offers asset finance solutions for commercial purposes, such as financing for business equipment, office furniture, technology infrastructure, and other assets required by businesses
  • Personal finance: In addition to commercial financing, YOUx also supports personal asset finance. This includes loans for personal vehicles, leisure assets, and other personal-use assets

YOUx products also support a diverse lending panel. Which means your customers can easily find the right loan for their needs, whether they’re online, in your dealers’ office or on the dealers’ forecourt.

And whenever you or your dealers need extra help, YOUxLodge Success Gurus are on hand. From in-depth asset finance scenario support to simply covering any lender accreditations you don’t have, drawing on YOUx’s 80+ lenders. Making it easier than ever to find finance a home.

Are YOUx technology products compatible with our existing systems and infrastructure?

SEAMLESSLY CONNECTED, AGNOSTICALLY FLEXIBLE

YOUx technology products are designed to be seamlessly connected, yet agnostically flexible, allowing for compatibility with almost any existing systems and infrastructure, including:

  • Integration capabilities: YOUx offers integration capabilities that enable smooth connectivity with your existing systems. This may involve integrating with your CRM (Customer Relationship Management) system, dealer management system, or other relevant platforms to ensure data flow and streamline processes.
  • API and Data Exchange: YOUx provides APIs (Application Programming Interfaces) and data exchange mechanisms that facilitate the secure and efficient transfer of information between systems. This allows for seamless communication and data synchronisation between YOUx products and your existing infrastructure.
  • Customisation and configuration: Depending on your specific needs, YOUx technology products can be customised and configured to align with your existing systems and workflows. This ensures that the implementation of YOUx products can complement and enhance your current infrastructure.
  • Technical support and collaboration: YOUxLodge Success Gurus collaborate closely with our partners to ensure successful integration and compatibility. We provide technical support and guidance throughout the integration process, working with your IT team to address any compatibility challenges that may arise.

We recommend discussing your specific requirements and infrastructure with us during the initial requirements discussion. This will allow us to provide the right solution and compatibility guidance.

How secure is the data and information processed through YOUx products?

BRANDSAFE PARTNER PROMISE

YOUx places a strong emphasis on data security and ensures that the data and information processed through their products are protected, including but not limited to:

  • Compliance: YOUx adheres to the National Consumer Credit Protection Act 2009 (NCCP) and Australian Securities & Investments Commission Credit License obligations
  • ISO27001 practices: YOUx protects and secures customer data in line with ISO27001 practices, the international standard for information security
  • 2-Factor Authentication: Whether it’s customers accessing their work-in-progress YOUx application or brokers and business managers logging in to YOUxManage to write deals, access to all our products is protected by 2-Factor Authentication
  • Data encryption: YOUx employs encryption techniques to protect sensitive data during transmission and storage. Encryption ensures that data remains secure and inaccessible to unauthorised individuals or entities
  • Secure infrastructure: YOUx maintains secure AWS infrastructure to host and process data. Utilising state-of-the-art security measures, including firewalls, intrusion detection systems, and regular security audits, to safeguard our systems from unauthorised access
  • Data access controls: Access to data within YOUx products is restricted to authorised personnel only. Role-based access controls are implemented to ensure that individuals have appropriate access rights based on their responsibilities and job roles
  • Ongoing monitoring and auditing: YOUx conducts regular monitoring and auditing of systems to identify and address any potential security vulnerabilities. This proactive approach helps ensure that data security measures remain up to date and effective

It’s important to note that while YOUx takes significant measures to secure data, it’s also essential for your business to follow best practices in data protection. This includes implementing secure access controls, user authentication measures, and internal data security protocols.

What kind of support and assistance does YOUx provide during the onboarding, implementation and aftercare?

SUCCESS (GURUS) BUILT IN

YOUx strongly believes that onboarding is just the start of the journey and provides comprehensive support and assistance not just throughout the onboarding and implementation, but also ongoing aftercare stages. And it all starts and ends with YOUxLodge, your Success Gurus. Here’s an overview of some of the support services you can expect:

  • Onboarding and implementation: During the onboarding process, Lodge Success Gurus collaborate closely with your business to ensure a smooth transition and successful implementation. Providing dedicated support and guidance to help integrate the technology products into your existing ecosystem and workflows
  • Training and education: Lodge Success Gurus offer value activation in the form of in-depth group and one-on-one training and education programs. Ensuring that your team is equipped with the knowledge and skills to effectively utilise their products. This includes training sessions, workshops, and resources to help your staff understand YOUx technology features, tools and functionalities, as well as asset finance industry best practices
  • Technical support: Lodge Success Gurus are your single point of contact for all ongoing support, issues or questions that may arise, whether technology or asset finance related. The Lodge support team is available to assist you with troubleshooting, system inquiries, and resolving asset finance scenario challenges
  • Continuous improvement & upgrades: YOUx is committed to continuous improvement and regularly releases updates and enhancements to their products. We’ll keep you informed about new features, improvements, and system updates to ensure you can take advantage of the latest capabilities. These upgrades are designed to enhance the user experience and provide additional value to your business

YOUx is dedicated to providing comprehensive support and assistance throughout the entire journey, from onboarding to ongoing usage. With Lodge Success Gurus at your disposal to ensure full value realisation across technology products and asset finance fulfilment.

How does the pricing structure work for the YOUx OEM Manufacturer product stack?

TAILORED PRODUCTS, WITH TAILORED PRICING

Speak to YOUx today to discuss your specific requirements, and we’ll recommend a product stack that meets your commercial objectives, with a pricing structure to match the recommendation.

Pricing details may vary depending on factors such as the scope of services, customisation requirements, and the specific needs of your business. 

How can YOUx technology and fulfilment products benefit a dealer?

SELL MORE, REDUCE THE COST TO SERVICE YOUR CUSTOMERS

YOUx delivers powerful asset finance technology and fulfilment products designed for dealer business growth. The YOUx product stack is flexibly built and seamlessly connected to help your business with a range of commercial objectives, including, but not limited to:

  • Increased lead opportunities: Drive additional revenues by leveraging our technology and fulfilment products to capture online website leads 24/7, even outside of opening hours
  • Stronger dealer commercials: YOUx supports your commercial objectives. More quickly and easily convert sales, deepen finance penetration, with our lender waterfall (including floorplan protection), and reduce the cost to service your customers
  • Streamlined for cost reduction: YOUx’s customer self-serve Capture app and BM initiated Manage journeys achieve operational efficiencies, typically saving over an hour for every completed finance application. Featuring fast automated online processes, from collaborative finance applications, powerfully instant lender matching engine, document uploads, e-signed documents, automated NCCP compliance and much much more
  • Better customer experience: YOUx’s product stack delivers best-in-class customer finance experiences, delivering easier, faster finance pre-approval and fully completed finance applications with supporting documents in just a few minutes
  • Data insights: YOUx’s extensive data analytics help dealers to gain a deeper understanding of their customers’ buying behaviours and financing preferences. Helping to refine marketing strategies, product offerings, and customer targeting, ultimately driving better business decisions
  • Ongoing value: YOUxLodge Success Gurus deliver an unprecedented holistic benefit, building evermore human value with the ongoing activation and skills training in the implementation of technology and asset finance expertise in your team

Overall, YOUx technology and fulfilment products can help to support commercially stronger dealerships, with deeper finance penetration and faster conversions.

What types of asset finance are supported by YOUx?

DIVERSE ASSET TYPES & LENDING PANEL

YOUx products support a truly comprehensive range of asset finance options, so whatever assets your dealership sells, YOUx has you and your customers covered:

  • Vehicle finance: This includes financing for various types of vehicles, such as cars, motorcycles, trucks, vans, and commercial vehicles
  • Equipment finance: YOUx provides asset finance solutions for a wide range of equipment, including machinery, agricultural equipment, construction equipment, industrial equipment, and more
  • Marine finance: Financing options for boats, yachts, and other marine vessels are available through YOUx. Whether for personal or commercial use, customers can find suitable marine finance solutions
  • Leisure finance: This category covers financing for recreational vehicles like motorhomes, caravans, campervans, and other leisure-related assets
  • Commercial finance: YOUx offers asset finance solutions for commercial purposes, such as financing for business equipment, office furniture, technology infrastructure, and other assets required by businesses
  • Personal finance: In addition to commercial financing, YOUx also supports personal asset finance. This includes loans for personal vehicles, leisure assets, and other personal-use assets

 

YOUx products also support a diverse lending panel. Which means you and your customers can easily find the right loan for their needs, whether they’re online, in your office or on the forecourt.

And whenever you need extra help, YOUxLodge Success Gurus are on hand. From in-depth asset finance scenario support to simply covering any lender accreditations you don’t have, drawing on YOUx’s 80+ lenders. Making it easier than ever to find finance a home.

Are YOUx technology products compatible with our existing systems and infrastructure?

SEAMLESSLY CONNECTED, AGNOSTICALLY FLEXIBLE

YOUx technology products are designed to be seamlessly connected, yet agnostically flexible, allowing for compatibility with almost any existing systems and infrastructure.

  • Integration capabilities: YOUx offers integration capabilities that enable smooth connectivity with your existing systems. This may involve integrating with your CRM (Customer Relationship Management) system, dealer management system, or other relevant platforms to ensure data flow and streamline processes
  • API and Data Exchange: YOUx provides APIs (Application Programming Interfaces) and data exchange mechanisms that facilitate the secure and efficient transfer of information between systems. This allows for seamless communication and data synchronisation between YOUx products and your existing infrastructure
  • Customisation and configuration: Depending on your specific needs, YOUx technology products can be customised and configured to align with your existing systems and workflows. This ensures that the implementation of YOUx products can complement and enhance your current infrastructure
  • Technical support and collaboration: YOUxLodge Success Gurus collaborate closely with our partners to ensure successful integration and compatibility. We provide technical support and guidance throughout the integration process, working with your IT team to address any compatibility challenges that may arise

We recommend discussing your specific requirements and infrastructure with us during the initial requirements discussion. This will allow us to provide the right solution and compatibility guidance.

How secure is the data and information processed through YOUx products?

BRANDSAFE PARTNER PROMISE

YOUx places a strong emphasis on data security and ensures that the data and information processed through their products are protected, including but not limited to:

  • Compliance: YOUx adheres to the National Consumer Credit Protection Act 2009 (NCCP) and Australian Securities & Investments Commission Credit License obligations
  • ISO27001 practices: YOUx protects and secures customer data in line with ISO27001 practices, the international standard for information security
  • 2-Factor Authentication: Whether it’s customers accessing their work-in-progress YOUx application or brokers and business managers logging in to YOUxManage to write deals, access to all our products is protected by 2-Factor Authentication
  • Data encryption: YOUx employs encryption techniques to protect sensitive data during transmission and storage. Encryption ensures that data remains secure and inaccessible to unauthorised individuals or entities
  • Secure infrastructure: YOUx maintains secure AWS infrastructure to host and process data. Utilising state-of-the-art security measures, including firewalls, intrusion detection systems, and regular security audits, to safeguard our systems from unauthorised access
  • Data access controls: Access to data within YOUx products is restricted to authorised personnel only. Role-based access controls are implemented to ensure that individuals have appropriate access rights based on their responsibilities and job roles
  • Ongoing monitoring and auditing: YOUx conducts regular monitoring and auditing of systems to identify and address any potential security vulnerabilities. This proactive approach helps ensure that data security measures remain up to date and effective

It’s important to note that while YOUx takes significant measures to secure data, it’s also essential for your business to follow best practices in data protection. This includes implementing secure access controls, user authentication measures, and internal data security protocols.

What kind of support and assistance does YOUx provide during the onboarding, implementation and aftercare?

SUCCESS (GURUS) BUILT IN

YOUx strongly believes that onboarding is just the start of the journey and provides comprehensive support and assistance not just throughout the onboarding and implementation, but also ongoing aftercare stages. And it all starts and ends with YOUxLodge, your Success Gurus. Here’s an overview of some of the support services you can expect:

  • Onboarding and implementation: During the onboarding process, Lodge Success Gurus collaborate closely with your business to ensure a smooth transition and successful implementation. Providing dedicated support and guidance to help integrate the technology products into your existing ecosystem and workflows
  • Training and education: Lodge Success Gurus offer value activation in the form of in-depth group and one-on-one training and education programs. Ensuring that your team is equipped with the knowledge and skills to effectively utilise their products. This includes training sessions, workshops, and resources to help your staff understand YOUx technology features, tools and functionalities, as well as asset finance industry best practices
  • Technical support: Lodge Success Gurus are your single point of contact for all ongoing support, issues or questions that may arise, whether technology or asset finance related. The Lodge support team is available to assist you with troubleshooting, system inquiries, and resolving asset finance scenario challenges
  • Continuous improvement & upgrades: YOUx is committed to continuous improvement and regularly releases updates and enhancements to their products. We’ll keep you informed about new features, improvements, and system updates to ensure you can take advantage of the latest capabilities. These upgrades are designed to enhance the user experience and provide additional value to your business

YOUx is dedicated to providing comprehensive support and assistance throughout the entire journey, from onboarding to ongoing usage. With Lodge Success Gurus at your disposal to ensure full value realisation across technology products and asset finance fulfilment.

How does the pricing structure work for the YOUx OEM Manufacturer product stack?

TAILORED PRODUCTS, WITH TAILORED PRICING

Speak to YOUx today to discuss your specific requirements, and we’ll recommend a product stack that meets your commercial objectives, with a pricing structure to match the recommendation.

Pricing details may vary depending on factors such as the scope of services, customisation requirements, and the specific needs of your business. 

How can YOUx technology and fulfilment products benefit a broker?

SELL MORE, REDUCE THE COST TO SERVICE YOUR CUSTOMERS

YOUx delivers powerful asset finance technology and fulfilment products designed for lender business growth. Partnering with Australia’s biggest, best and most forward thinking lenders. The YOUx product stack is flexibly built and seamlessly connected to help your business with a range of commercial objectives, including, but not limited to:

  • Increased lead generation: YOUx helps lenders receive more leads, more quickly by gaining access to a vast network of OEM manufacturers, dealers, brokers, and marketplaces, which increases their visibility and generates a higher volume of leads. This opens up opportunities for lenders to diversify their lending portfolio, target new customer segments, and explore untapped markets
  • More of the customers you want: YOUx advanced customer data verification and validation, combined with a powerful lender matching engine means lenders get more of the customers they want and less of the customers they don’t
  • Agile product launch: With YOUx’s powerful lender matching engine utilised across customer, broker and BM products, lender finance product launches are instantaneous, with realtime market feedback allowing for truly agile test and learn practices
  • Streamlined deal lodgment: YOUx’s direct-to-lender API submissions mean faster more accurate submissions, reducing the cost to service customers, for both lenders, dealers and BMs
  • Enhanced credit decisioning: YOUx provides lenders with comprehensive data insights to support credit decisioning. Including credit scores, financial information, and other relevant data points to make informed lending decisions quickly and accurately
  • Cost reduction: YOUx’s technology products are designed to reduce the cost to service your customers. With more accurate lender matching, better data quality, safely automated NCCP compliant deals and one-to-one (instead of one-to-many) direct-to-lender APIs, lenders can achieve ever greater cost savings and operational efficiencies, resulting in improved profitability
  • Risk mitigation: YOUx’s compliance with regulations such as the National Consumer Credit Protection Act 2009 (NCCP) and adherence to international security standards, such as ISO27001, ensure comprehensive data security and regulatory compliance
  • Improved customer experience: YOUx’s technology enhances the overall customer experience by providing a seamless and user-friendly application process. Lenders can offer their customers a digital and convenient way to apply for financing, resulting in higher customer satisfaction and loyalty

Overall, YOUx technology and fulfilment products empower lenders to streamline operations, increase lead generation, improve credit decisioning, reduce costs, expand their market reach, mitigate risks, and enhance the customer experience. These benefits contribute to improved efficiency, profitability, and competitiveness in the asset finance industry.

What types of asset finance are supported by YOUx?

DIVERSE ASSET TYPES & LENDING PANEL

YOUx products support a truly comprehensive range of asset finance options, so whatever assets our partners need to finance, YOUx has them and their customers covered:

  • Vehicle finance: This includes financing for various types of vehicles, such as cars, motorcycles, trucks, vans, and commercial vehicles
  • Equipment finance: YOUx provides asset finance solutions for a wide range of equipment, including machinery, agricultural equipment, construction equipment, industrial equipment, and more
  • Marine finance: Financing options for boats, yachts, and other marine vessels are available through YOUx. Whether for personal or commercial use, customers can find suitable marine finance solutions
  • Leisure finance: This category covers financing for recreational vehicles like motorhomes, caravans, campervans, and other leisure-related assets
  • Commercial finance: YOUx offers asset finance solutions for commercial purposes, such as financing for business equipment, office furniture, technology infrastructure, and other assets required by businesses
  • Personal finance: In addition to commercial financing, YOUx also supports personal asset finance. This includes loans for personal vehicles, leisure assets, and other personal-use assets

 

YOUx products also support a diverse lending panel. Which means our partners can easily find the right loan for their needs, whether they’re online, on the phone or in their.

And whenever they need extra help, YOUxLodge Success Gurus are on hand. From in-depth asset finance scenario support to simply covering any lender accreditations they don’t have, drawing on YOUx’s 80+ lenders. Making it easier than ever to find finance a home.

Are YOUx technology products compatible with our existing systems and infrastructure?

SEAMLESSLY CONNECTED, AGNOSTICALLY FLEXIBLE

YOUx technology products are designed to be seamlessly connected, yet agnostically flexible, allowing for compatibility with almost any existing systems and infrastructure.

  • Integration capabilities: YOUx offers integration capabilities that enable smooth connectivity with your existing systems. This may involve integrating with your CRM (Customer Relationship Management) system, dealer management system, or other relevant platforms to ensure data flow and streamline processes
  • API and Data Exchange: YOUx provides APIs (Application Programming Interfaces) and data exchange mechanisms that facilitate the secure and efficient transfer of information between systems. This allows for seamless communication and data synchronisation between YOUx products and your existing infrastructure
  • Customisation and configuration: Depending on your specific needs, YOUx technology products can be customised and configured to align with your existing systems and workflows. This ensures that the implementation of YOUx products can complement and enhance your current infrastructure
  • Technical support and collaboration: YOUxLodge Success Gurus collaborate closely with our partners to ensure successful integration and compatibility. We provide technical support and guidance throughout the integration process, working with your IT team to address any compatibility challenges that may arise

We recommend discussing your specific requirements and infrastructure with us during the initial requirements discussion. This will allow us to provide the right solution and compatibility guidance.

How secure is the data and information processed through YOUx products?

BRANDSAFE PARTNER PROMISE

YOUx places a strong emphasis on data security and ensures that the data and information processed through their products are protected, including but not limited to:

  • Compliance: YOUx adheres to the National Consumer Credit Protection Act 2009 (NCCP) and Australian Securities & Investments Commission Credit License obligations
  • ISO27001 practices: YOUx protects and secures customer data in line with ISO27001 practices, the international standard for information security
  • 2-Factor Authentication: Whether it’s customers accessing their work-in-progress YOUx application or brokers and business managers logging in to YOUxManage to write deals, access to all our products is protected by 2-Factor Authentication
  • Data encryption: YOUx employs encryption techniques to protect sensitive data during transmission and storage. Encryption ensures that data remains secure and inaccessible to unauthorised individuals or entities
  • Secure infrastructure: YOUx maintains secure AWS infrastructure to host and process data. Utilising state-of-the-art security measures, including firewalls, intrusion detection systems, and regular security audits, to safeguard our systems from unauthorised access
  • Data access controls: Access to data within YOUx products is restricted to authorised personnel only. Role-based access controls are implemented to ensure that individuals have appropriate access rights based on their responsibilities and job roles
  • Ongoing monitoring and auditing: YOUx conducts regular monitoring and auditing of systems to identify and address any potential security vulnerabilities. This proactive approach helps ensure that data security measures remain up to date and effective

It’s important to note that while YOUx takes significant measures to secure data, it’s also essential for your business to follow best practices in data protection. This includes implementing secure access controls, user authentication measures, and internal data security protocols.

What kind of support and assistance does YOUx provide during the onboarding, implementation and aftercare?

SUCCESS (GURUS) BUILT IN

YOUx strongly believes that onboarding is just the start of the journey and provides comprehensive support and assistance not just throughout the onboarding and implementation, but also ongoing aftercare stages. And it all starts and ends with YOUxLodge, your Success Gurus. Here’s an overview of some of the support services you can expect:

  • Onboarding and implementation: During the onboarding process, Lodge Success Gurus collaborate closely with your business to ensure a smooth transition and successful implementation. Providing dedicated support and guidance to help integrate the technology products into your existing ecosystem and workflows
  • Training and education: Lodge Success Gurus offer value activation in the form of in-depth group and one-on-one training and education programs. Ensuring that your team is equipped with the knowledge and skills to effectively utilise their products. This includes training sessions, workshops, and resources to help your staff understand YOUx technology features, tools and functionalities, as well as asset finance industry best practices
  • Technical support: Lodge Success Gurus are your single point of contact for all ongoing support, issues or questions that may arise, whether technology or asset finance related. The Lodge support team is available to assist you with troubleshooting, system inquiries, and resolving asset finance scenario challenges
  • Continuous improvement & upgrades: YOUx is committed to continuous improvement and regularly releases updates and enhancements to their products. We’ll keep you informed about new features, improvements, and system updates to ensure you can take advantage of the latest capabilities. These upgrades are designed to enhance the user experience and provide additional value to your business

YOUx is dedicated to providing comprehensive support and assistance throughout the entire journey, from onboarding to ongoing usage. With Lodge Success Gurus at your disposal to ensure full value realisation across technology products and asset finance fulfilment.

How does the pricing structure work for the YOUx OEM Manufacturer product stack?

TAILORED PRODUCTS, WITH TAILORED PRICING

Speak to YOUx today to discuss your specific requirements, and we’ll recommend a product stack that meets your commercial objectives, with a pricing structure to match the recommendation.

Pricing details may vary depending on factors such as the scope of services, customisation requirements, and the specific needs of your business.

What is YOUx?

POWERFUL PRODUCTS FOR FASTER, EASIER MORE ACCURATE ASSET FINANCE

YOUx helps OEM manufacturers, dealers, brokers and lenders to deliver better customer experiences through asset finance technology and fulfilment products. If you’ve found YOUx, it’s likely that you’ve come through via one of our partners.

Should you need any further help, you can speak to the original partner for more information or contact YOUxLodge and we’ll help you find a partner to speak to.

Why should I trust a YOUx product with my data?

TRUSTED BY THOUSANDS WITH BILLIONS

Safety and security is a core YOUx value and our ‘closed loop’ promise is as much about data security, as it is the YOUx way of doing business. Inspiring our 11,500+ dealer and broker users, along with 80+ accredited lenders to trust us with $7.4 Billion of finance opportunities every single year.

 

Below are just a few of the things YOUx does to keep your data safe, secure and complaint:

 

  • Compliance: YOUx adheres to the National Consumer Credit Protection Act 2009 (NCCP) and Australian Securities & Investments Commission Credit License obligations
  • ISO27001 practices: YOUx protects and secures customer data in line with ISO27001 practices, the international standard for information security
  • Data encryption: YOUx employs encryption techniques to protect sensitive data during transmission and storage. Encryption ensures that data remains secure and inaccessible to unauthorised individuals or entities
  • Secure infrastructure: YOUx maintains secure AWS infrastructure to host and process data. Utilising state-of-the-art security measures, including firewalls, intrusion detection systems, and regular security audits, to safeguard our systems from unauthorised access
  • Data access controls: Access to data within YOUx products is restricted to authorised personnel only. Role-based access controls are implemented to ensure that individuals have appropriate access rights based on their responsibilities and job roles
  • Ongoing monitoring and auditing: YOUx conducts regular monitoring and auditing of systems to identify and address any potential security vulnerabilities. This proactive approach helps ensure that data security measures remain up to date and effective

Should you need any further help, you can speak to the original partner for more information or contact YOUxLodge and we’ll help you find a partner to speak to.

What can YOUx help me with?

DIVERSE ASSET TYPES & LENDING PANEL

YOUx supports a comprehensive range of asset finance options, including:

  • Vehicle finance: This includes financing for various types of vehicles, such as cars, motorcycles, trucks, vans, and commercial vehicles
  • Equipment finance: YOUx provides asset finance solutions for a wide range of equipment, including machinery, agricultural equipment, construction equipment, industrial equipment, and more
  • Marine finance: Financing options for boats, yachts, and other marine vessels are available through YOUx. Whether for personal or commercial use, customers can find suitable marine finance solutions
  • Leisure finance: This category covers financing for recreational vehicles like motorhomes, caravans, campervans, and other leisure-related assets
  • Commercial finance: YOUx offers asset finance solutions for commercial purposes, such as financing for business equipment, office furniture, technology infrastructure, and other assets required by businesses
  • Personal finance: In addition to commercial financing, YOUx also supports personal asset finance. This includes loans for personal vehicles, leisure assets, and other personal-use assets

Should you need any further help, you can speak to the original partner for more information or contact YOUxLodge and we’ll help you find a partner to speak to.

How do I get started with the YOUxApply application?

CLICK GET QUOTE NOW TO GET STARTED

Simply click “Get Quote Now” to get started. Then follow the super simple questions to begin entering your details. You’ll then be auto-matched with Australia’s largest lender panel to get live personalised quotes with suitable lenders, automatically checking your details against the lenders’ unique lending policies.

How long will a YOUx application take?

 A FEW MINS FROM BEGINNING TO END

The application process has been designed to be as quick and easy as possible. From start, through auto-lender-matching, fast finance pre-approval, to submission of a full finance application directly to participating lenders, the whole process just takes a couple of minutes.

Does a YOUx application affect my credit score?

YOUx APPLICATION IS CREDIT FILE SAFE

YOUx makes it easy for you to auto-match with suitable lenders and gain a finance pre-approval without it leaving a mark on your credit file or affecting your score. You’re then able to go on to submit a full finance application directly to a lender.

Once a fully completed application has been submitted to a lender, the lender will need to run a full credit report. This, as with any full finance application to a lender, could affect your score if your finance application is unsuccessful.

What documents will I need for a YOUx application?

A FEW KEY DOCUMENTS

YOUx does everything it can to make life easier for you. Having your driving licence handy will save you time, as the OCR document scanning technology uses your driving licence details, instead of having to enter the information by hand.

Once you’ve been auto-matched to your most suitable lender, there may be some additional documents like payslips that the lender needs to process your application. You can upload these straight away or log back in later when you have them to hand.

Does my credit score affect my eligibility?

WE’LL HELP YOU UNDERSTAND YOUR CREDIT SCORE

When YOUx auto-matches you with suitable lender’s, all the information you provide is being checked, such as, the asset being purchased, housing status, previous loan defaults, employment stability, your credit score and more – to not only check for eligibility, but also the type of rates you might be able to access. While there are a number of factors, it’s important to try to keep a strong credit score to access the best finance products and rates.

It’s also good to know that from lender to lender their customer preferences change, which is why it’s so important for us to have Australia’s largest lender panel. To give you the best chance of finding the most suitable funding.

Can I add a deposit to reduce my finance?

LARGER DEPOSITS INCREASE CHANCE OF APPROVAL

Yes. You can absolutely add a deposit. In fact, adding a 10 or 20% deposit could give you access to more lenders, reduce your interest rates, improve your chance of approval and even reduce your repayment amount. Should you struggle with matching with suitable lenders, try increasing your deposit amount.

What happens after applying?

YOU’LL RECEIVE A CALL

Once your finance application has been fully completed, one of two things will happen. If your finance application has been successfully completed to go directly to your matched lender, then the lender will reach out to check things with you before formally assessing your applications for an unconditional approval. If your application needs some extra info before it can go to a lender, then the dealer or broker will reach out to you, depending on where you started your finance journey. Either way, you can expect a phone call to catch up. If you have any questions at any point, you can speak to the original partner for more information or contact YOUxLodge.

Are there any hidden fees?

NO HIDDEN FEES

Absolutely not, the rates you see are the rates you’ll pay. While lenders typically do have some fees and charges with their finance products, YOUx makes sure they’re all wrapped up into the quoted interest rates and payments. So you can rest assured that there’ll be no surprises.

Once approved, is the money sent to me?

THE SELLER RECEIVES THE FUNDS

After your matched lender has given your asset finance application unconditional approval, the dealer or private seller will be contacted to submit a sales invoice. Once this is received and you have signed your loan paperwork, the funds are transferred to the dealer or private seller.  When they have confirmed receipt of the funds you can then pick up your new purchase.

Which lenders does YOUx use?

LARGEST LENDING PANEL IN AUSTRALIA

YOUx maintains the largest lender panel in Australia, with over 90 lenders and growing. Giving you the best chance of finding the most suitable loan for your individual needs. And with such a large lender panel, it means you’ll never need to look anywhere else for your finance. Saving you time and hassle in the process.

How does YOUx make money?

PARTNERS PAY YOUx TO USE OUR PRODUCTS

YOUx receives payment from its partners, for providing the use of the technology. Partners may also refer finance applications to the YOUxLodge Success Gurus, to handle the application process for them. In this instance Lodge would likely receive a commission for successfully handling customers on their partners’ behalf. This is all arranged between the lender and Lodge.

How do lenders work out their rates?

MANY FACTORS GO INTO DECIDING RATES

Lenders look at many different variables, such as, the asset being purchased, housing status, previous loan defaults, employment stability, your credit score and more – to not only check for eligibility, but also the type of rates you might be able to access. While there are a number of factors, it’s important to try to keep a strong credit score to access the best finance products and rates.

It’s also good to know that from lender to lender their customer preferences change, which is why it’s so important for us to have Australia’s largest lender panel. To give you the best chance of finding the most suitable funding.